Compare Ishpeming, MI Car Insurance Rates (2021)

Car insurance in Ishpeming, MI averages $700 a month. Ishpeming, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Ishpeming car insurance rates, compare quotes from the top car insurance companies in Ishpeming, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Ishpeming is USAA
  • The cheapest car insurance company in Ishpeming for teen drivers is USAA
  • Average car insurance rates in Ishpeming, MI are $8,406/year

If you need to buy Ishpeming, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Ishpeming, MI is right here.

You’ll find Ishpeming car insurance rates, the cheapest Ishpeming, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Ishpeming, Michigan car insurance rates to Detroit car insurance rates, Dearborn car insurance rates, and Ann Arbor car insurance rates.

Ready to find affordable Ishpeming, MI car insurance today? Enter your ZIP code for fast, free Ishpeming car insurance quotes.

Cheapest Ishpeming, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ishpeming, MI car insurance rates? Every Ishpeming, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ishpeming, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $3,393 $3,393 $3,157 $3,157 $7,647 $7,647 $3,809 $3,809
GEICO $3,112 $3,112 $3,166 $3,166 $8,884 $8,884 $2,983 $2,983
Liberty Mutual $12,802 $12,802 $12,673 $12,673 $30,473 $30,473 $12,802 $12,802
Nationwide $3,742 $3,742 $3,325 $3,325 $9,836 $9,836 $4,099 $4,099
Progressive $2,553 $2,404 $2,258 $2,492 $9,101 $9,756 $2,972 $2,803
State Farm $5,662 $5,662 $5,232 $5,232 $19,605 $19,605 $6,644 $6,644
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,528 $2,417 $2,374 $2,258 $6,232 $5,983 $3,105 $3,010

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Minimum Car Insurance in Ishpeming, MI

Every driver must carry the minimum car insurance in Ishpeming, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Ishpeming, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Ishpeming, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ishpeming, MI. Compare credit history car insurance rates in Ishpeming from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ishpeming, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $5,867 $3,963 $3,674
GEICO $5,820 $4,290 $3,498
Liberty Mutual $27,174 $15,706 $8,682
Nationwide $6,547 $4,963 $4,242
Progressive $4,942 $4,166 $3,770
State Farm $15,032 $7,629 $5,196
Travelers $7,919 $7,680 $7,583
USAA $5,217 $2,972 $2,277

Cheapest Ishpeming, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ishpeming, MI to rates for a clean record with top companies.

Annual Ishpeming, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $3,793 $4,818 $4,750 $4,644
GEICO $1,623 $3,390 $10,164 $2,969
Liberty Mutual $12,187 $14,583 $26,480 $15,500
Nationwide $4,513 $5,964 $5,456 $5,070
Progressive $3,666 $4,757 $4,291 $4,456
State Farm $5,942 $7,105 $15,247 $8,850
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,808 $3,494 $4,591 $3,061

Cheapest Ishpeming, MI Car Insurance for Teen Drivers

Teen car insurance in Ishpeming, MI can be expensive. Take a look at rates from the top car insurance companies in Ishpeming for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ishpeming, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $7,647 $7,647
GEICO $8,884 $8,884
Liberty Mutual $30,473 $30,473
Nationwide $9,836 $9,836
Progressive $9,101 $9,756
State Farm $19,605 $19,605
Travelers $15,616 $15,616
USAA $6,232 $5,983

Cheapest Ishpeming, MI Car Insurance for Seniors

Take a look at Ishpeming, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ishpeming, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,157 $3,157
GEICO $3,166 $3,166
Liberty Mutual $12,673 $12,673
Nationwide $3,325 $3,325
Progressive $2,258 $2,492
State Farm $5,232 $5,232
Travelers $4,461 $4,461
USAA $2,374 $2,258

Cheapest Ishpeming, MI Car Insurance Rates After a DUI

A DUI in Ishpeming, MI increases car insurance rates. Compare Ishpeming, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ishpeming, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $41,923
Farmers $4,750
GEICO $10,164
Liberty Mutual $26,480
Nationwide $5,456
Progressive $4,291
State Farm $15,247
Travelers $12,018
USAA $4,591

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Cheapest Ishpeming, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ishpeming, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ishpeming, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,384 $19,384
Farmers $4,501 $4,501
GEICO $4,434 $4,639
Liberty Mutual $16,587 $17,788
Nationwide $5,251 $5,251
Progressive $4,292 $4,292
State Farm $9,045 $9,527
Travelers $7,683 $7,771
USAA $3,449 $3,528

The Best Cheap Car Insurance Companies in Ishpeming, MI

Take a look at a side-by-side comparison of the top car insurance companies in Ishpeming, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ishpeming, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $4,501
GEICO $4,536
Liberty Mutual $17,188
Nationwide $5,251
Progressive $4,292
State Farm $9,286
Travelers $7,727
USAA $3,489

Category Winners: Cheapest Car Insurance in Ishpeming, Michigan

Find the cheapest car insurance companies in Ishpeming, MI for each category right here.

Best Annual Car Insurance Rates by Company in Ishpeming, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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Cheapest Ishpeming, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ishpeming car insurance rates. Find the cheapest Ishpeming, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ishpeming, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $4,391 $4,491 $4,622
GEICO $4,228 $4,495 $4,886
Liberty Mutual $16,785 $17,149 $17,629
Nationwide $5,484 $5,164 $5,104
Progressive $4,184 $4,297 $4,396
State Farm $8,868 $9,337 $9,652
Travelers $7,640 $7,737 $7,805
USAA $3,380 $3,498 $3,588

What affects car insurance rates in Ishpeming, Michigan?

What factors can have an impact on Ishpeming, MI car insurance? There are several reasons why Ishpeming car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ishpeming, Michigan.

Car Theft in Ishpeming

High levels of vehicle theft can make car insurance more expensive. Ishpeming, MI car theft statistics from the FBI indicate 5 vehicle thefts a year.

Commute Time in Ishpeming

The more time you spend in your car the higher the risk of an accident. The average commute length in Ishpeming, MI is 16.8 minutes according to City-Data.

Compare Car Insurance Quotes in Ishpeming, MI

Ready to find affordable Ishpeming, Michigan car insurance today? Enter your ZIP code for fast, free Ishpeming, MI car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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